PackageTrendsPeer
Letter portraitLegal landscape

Kerotest Employees

Pittsburgh, PA · Charter 5491

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kerotest Employees

Pittsburgh, PA · Charter 5491

Q4 2001

$97KAssets
$50KLoans
$65KShares
$31KNet Worth

Executive Summary

  • Earnings: ROA of -4.39%, down 474 bps year over year; NIM at 5.93%.
  • Asset quality: problem loans at 3.14% of loans (+50 bps YoY).
  • Capital: net worth / assets of 32.26%.
  • Funding: loans stand at 77.15% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-4.39%-474 bps YoY

Net Interest Margin (YTD, annualized)

5.93%+91 bps YoY

Efficiency Ratio (YTD, annualized)

104.83%+1,159 bps YoY

Net Worth / Assets

32.26%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets2.07%2.65%2.21%0.34%0.64%-1.69%0.09%-4.39%-474 bps
Return on Equityn/an/an/an/an/a-6.55%0.36%-13.62%n/a
Net Interest Marginn/an/an/a5.02%5.16%5.62%4.85%5.93%+91 bps
Efficiency Ration/an/an/a93.24%87.79%80.38%98.20%104.83%+1,159 bps
Growth
Asset Growth (YoY)-17.53%-15.68%-7.45%1.93%-8.87%-5.84%-12.75%-31.09%-3,302 bps
Loan Growth (YoY)-17.53%-6.55%-24.05%2.05%-21.97%-2.66%-5.93%-32.52%-3,457 bps
Share Growth (YoY)-22.51%-21.43%-11.11%1.50%-12.99%-6.08%-14.60%-36.10%-3,761 bps
Asset Quality
Delinquent Loans / Loans0.00%0.63%0.00%2.64%4.21%4.57%5.35%3.14%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.23%1.38%0.38%0.43%0.51%3.10%3.77%6.06%+563 bps
Capital
Risk-Based Capitaln/an/an/an/an/a25.83%24.68%32.26%n/a
Net Worth / Assetsn/an/an/an/an/a25.83%24.68%32.26%n/a
Liquidity & Funding
Loans / Shares72.08%76.57%55.45%73.06%64.64%79.36%61.08%77.15%+410 bps
Liquid Assets / Assets23.76%42.26%55.85%3.54%3.51%41.43%54.06%5.14%+160 bps